PRIVACY POLICY

We are committed to providing our clients with excellent service. Doing Business with a Property and Casualty insurance broker involves providing information about yourself, so protection of your personal information is one of our highest priorities.

Our brokerage and the insurance industry have a solid track record of respecting your right to privacy and safeguarding your personal information. As a result of federal legislation, we've further strengthened our privacy commitment by informing you of why and how we collect, use and disclose your personal information. You can be assured that we'll only handle your personal information in a manner that a reasonable person would consider appropriate in the circumstances.

The following is a summary of our privacy practices.

WHY do we collect personal information?

When you first become a client or whenever you acquire or renew a product from us, we need to collect some of your personal information. Common purposes for which we collect your personal information are to:

•  Enable us to acquire or renew an insurance policy for you;
•  Assist you and assess your ongoing needs for insurance;
•  Assess your needs for other products, such as financial products, and to offer them to you;
•  Ensure your information is accurate and up-to-date; and
•  Protect us both against error and fraud.

WHAT personal information do we collect?

Personal information is information that identifies you as an individual client and relates specifically to you. Depending on the purpose(s) for which we need to collect it, we may ask for the following personal information about you including:

-Basic information such as your name, address, telephone and fax numbers, e-mail address, birthdate and martial status.
-Claims history
-Credit and past payment records
-Driver's record
-Details about your property such as the value of your home and it's contents
-Medical information such as any condition that may affect the operation of a vehicle
-Employment information

We may obtain this information from:

-You
-Insurance companies
-Other insurance agents or brokers
-Credit organizations
-Motor vehicle and driver licensing authorities
-Financial institutions
-Medical professionals

WHO do we disclose your personal information to?

For many of the purposes identified above, we will need to share your personal information with others in order to serve your needs. These other parties commonly include:

-Insurance companies
-Other insurance agents and brokers
-Credit organizations
-Professionals working with us such as adjusters or lawyers
-Financial institutions. For example, the organization that carries your mortgage.

HOW do we protect your personal information?

In order to protect your personal information and right to privacy, we will:

-Not collect, use or disclose your personal information for any purpose other than those that we identify to you.
-Keep your personal information only for as long as we need it to fulfill the stated purpose or as required by law.
-Maintain your personal information in as accurate, complete and up-to-date a form as possible
-Safeguard your personal information to the best of our ability
-Respond to any request you may make to access or correct the personal information we hold about you.
-Obtain the appropriate consent from you for the collection, use or disclosure of your personal information.

CONSENT

We may obtain your express consent or we may determine that consent has been implied by the circumstances.

-We might ask you for your express consent in writing, for example in a signed consent or application form.
-We may ask for your express consent in person or over the phone.
-We may determine that by seeking insurance through our organization, your consent has been implied for us to deal with your personal information in a reasonable manner.

There are also legal exceptions in which we will not need to obtain your consent or explain the purposes for the collection, use or disclosure of your personal information. For example, this could apply when there is an emergency situation, or if it is necessary for your protection or ours.

YOU can control how we handle your personal information.

We want you to know that you do have choices in this matter. You could refuse to allow us to obtain, use or share your personal information or you could also withdraw a previously given consent at any time.

However by doing that, depending on the situation, you may be limiting or even preventing our ability to provide you with the product or service you desire.

For example, if you do not allow us to obtain information about your driving record, it is unlikely that we will be able to provide you with auto insurance.

We'll be happy to discuss particular situations with you to help you with your decision.